Search found 323 matches

by supertreat
Wed Jul 19, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: New Swensen Op Ed "Wall Street Profits by Putting Investors in the Slow Lane"
Replies: 15
Views: 1409

Re: New Swensen Op Ed "Wall Street Profits by Putting Investors in the Slow Lane"

telemark wrote:Shouldn't that read "Wall Street Profits by Putting Traders in the Slow Lane"? How does this affect buy and hold investors?


Did you read the piece?
by supertreat
Fri Apr 28, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Which sonicare toothbrush do you recommend?
Replies: 13
Views: 953

Re: Which sonicare toothbrush do you recommend?

It's posts like these that make me miss the MunchkinMan
by supertreat
Mon Mar 27, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension beats high salary and savings rate? (fed vs contractor for employment)
Replies: 47
Views: 4865

Re: Federal pension beats high salary and savings rate? (fed vs contractor for employment)

Another thing to keep in mind is health insurance costs and also overtime/hourly and weekend/evening differential pay. Running the numbers on those will give you a better comparison.
by supertreat
Mon Mar 27, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Federal pension beats high salary and savings rate? (fed vs contractor for employment)
Replies: 47
Views: 4865

Re: Federal pension beats high salary and savings rate? (fed vs contractor for employment)

Are you expecting 80% of your salary as a pension? Under FERS you should expect a maximum of about 1/3 of your income as a pension.
by supertreat
Thu Mar 09, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 19230

Re: Sitting on cash....Waiting for a crash

It's a losing strategy. If you're worried about your level of risk simply decrease your equity allocation.
by supertreat
Fri Feb 17, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 60
Views: 4097

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

What type of costs? Free transactions through Vanguard, so until I have $10K per fund it is actually far cheaper than Mutual Funds I thought. Hasn't been difficult to do transactions thus far, but something to consider. Also, where are the best resources to learn about evaluating funds? P/E ratios,...
by supertreat
Thu Feb 16, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 5762

Re: Please list value funds you currently use

Thank you to those who included fund names as well as the requested tickers. For me, this might have been an interesting thread, but I have no interest or wish to spend the time in decoding the funds. YMMV Takes about 2 seconds to google a ticker. I've never understood people's frustration w/ this.
by supertreat
Thu Feb 16, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 60
Views: 4097

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Another thing to consider is using mutual funds instead of ETFs. With that many holdings you're going to be doing a lot of trading and ETFs will incur more costs over time the more trading you do vs mutual funds. Mutual funds are just a lot easier to trade as well. Something to think about.
by supertreat
Wed Aug 03, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: lab fees /w HSA
Replies: 7
Views: 650

Re: lab fees /w HSA

What's your deductible? The cost of lab should apply towards that and then you'll pay coinsurance after that. I have GEHA and mine is $1500.
by supertreat
Fri Jul 29, 2016 2:46 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 242
Views: 40155

Re: I'm Calling an Emerging Markets Bottom

Steadfast wrote:Since my post on 1/15/2016 above, I am up 30% - bought VWO @ $28.49. Got lucky. I will hold it for a very long time, and probably lose it all :sharebeer



Funny, this exact same thing happened to me in REITs. viewtopic.php?f=10&t=33849
by supertreat
Tue Jul 05, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 10510

Re: synthetic oil changes

I tried the fumoto valve but I got concerned when it jutted out from the bottom of the vehicle when it was fully tightened- I was afraid I would hit something on the road and all my oil would leak out so I never used it. Did you order the S (normal) or N (nipple) type? The N sticks out a little mor...
by supertreat
Tue Jul 05, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 10510

Re: synthetic oil changes

I tried the fumoto valve but I got concerned when it jutted out from the bottom of the vehicle when it was fully tightened- I was afraid I would hit something on the road and all my oil would leak out so I never used it.
by supertreat
Tue Jul 05, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 10510

Re: synthetic oil changes

Sorry to beat a dead horse but, isn't the most important variable driving conditions? If most miles are stop and go city in cold winter climate you're going to want a much sooner oil change interval than if mostly interstate miles in the summer correct?
by supertreat
Fri Jul 01, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Most frustrating company with worst customer service
Replies: 21
Views: 1661

Re: Most frustrating company with worst customer service

I would say Payflex HSA. Had an issue where they erroneously coded a rollover as a taxable disbursement and it took me months to get it resolved. I was told I was wrong on the phone by the call center manager when I knew I was right and she begrudgingly elevated my problem to a resolution team. I wo...
by supertreat
Sat Jan 30, 2016 10:34 pm
Forum: Personal Consumer Issues
Topic: Macbook replacement battery (do you get what you pay for?)
Replies: 21
Views: 3689

Re: Macbook replacement battery (do you get what you pay for?)

I just replaced the battery in my older macbook. Anker makes good products and I can vouch for their quality. Would check them out.
by supertreat
Wed Dec 16, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: iPhone Purchase - I'm getting Desperate!
Replies: 34
Views: 4490

Re: iPhone Purchase - I'm getting Desperate!

Cricket Wireless has really good deals on IPHONE 5s. I just recently purchased a 32gb one for 250$ and then now having ported my number will geta 100$ credit so effectively payed 150$ - not too bad.
by supertreat
Fri Dec 11, 2015 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: 24-year-old seeking advice on first $3k investment: Roth IRA
Replies: 18
Views: 1771

Re: 24-year-old seeking advice on first $3k investment: Roth IRA

I would put it all into 100% VEIEX right now until you get a more sizeable portfolio. Just starting out your asset allocation has very little impact on your portfolio growth. How much are you are saving is going to be the major factor for some time so might as well get money in to a higher risk fund...
by supertreat
Thu Nov 19, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 50
Views: 15607

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

As a note the math entirely falls apart if you hit catastrophic limits on the HDHP, no amount of tax benefits makes it a better choice than the BCBS or other similar plans. Let's hope that is rare! Could you please elaborate? I'm not quite sure if I understand all the terminology correctly. Thanks....
by supertreat
Tue Nov 17, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Odyssey minivan- new or used?
Replies: 20
Views: 2206

Re: Honda Odyssey minivan- new or used?

A 2008 is now 7-8 years old - that's a lot older than the 2-3 year old model targeted by the OP and that might reasonably be considered a close substitute for a new vehicle. Good point. If you want a like new used Toyota/Honda you're most likely better of purchasing new and getting the maintenance/...
by supertreat
Tue Nov 17, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Odyssey minivan- new or used?
Replies: 20
Views: 2206

Re: Honda Odyssey minivan- new or used?

This is funny because I just bought a used 2008 Odyssey. Found it on craig's list. Previous owner was an elderly gentlemen and it only had 56k on it. He was a smoker however and had dogs in the car, but for 11k I couldn't turn down the deal. Drives great. The key to finding a good deal is to keep se...
by supertreat
Mon Nov 09, 2015 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: HSA transfer advice needed
Replies: 2
Views: 498

Re: HSA transfer advice needed

I think what I'm going to do is clarify with bancorp and health equity how they're going to handle my brokerage account during the transfer and then make my decision based on that.
by supertreat
Mon Nov 09, 2015 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: HSA transfer advice needed
Replies: 2
Views: 498

HSA transfer advice needed

Hi all, I currently have an HSA w/ a brokerage account inside of it at Bancorp. I've just been informed recently by Bancorp that they are transferring my HSA to Health Equity by the end of this month. After reviewing Health Equity's investment platform I'm not too pleased w/ the fees so I would like...
by supertreat
Thu Nov 05, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 39
Views: 7881

Re: Recommend a custodian for individual HSA account

I have a question for anyone who's knowledgable about HSA transfer rules. I currently have an HSA w/ affiliated brokerage account at Bancorp HSA. Theoretically I think it's possible to transfer the brokerage in my HSA from Bancorp to Saturna and do a rollover by check for the remaining balance in th...
by supertreat
Wed Sep 09, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Calcium, Lime, Rust build up solutions
Replies: 9
Views: 1032

Re: Calcium, Lime, Rust build up solutions

Around here I've used a product called Santeen toilet cleaner to delime my water heater. It's basically concentrated hydrochloric acid. Any plumbing supply store should carry some heavy duty deliming solution but please use all caution and don't hurt yourself.
by supertreat
Mon Jul 20, 2015 3:29 pm
Forum: Personal Consumer Issues
Topic: Recommendations for gas grill
Replies: 63
Views: 7835

Re: Recommendations for gas grill

Broil King Sovereign owner here. Comes with a rotisserie kit and works great - so big you can rotisserie a turkey. I bake in it during the summer as well. Made in Canada by same parent company as Weber.
by supertreat
Wed Jul 15, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 9765

Re: I tipped 15% and got a dirty look

I don't tip. I mean, we're broke enough that we go to restaurants exactly annually. In one specific month to one specific restaurant. If they want more money, put a higher price on the menu. If the server isn't receiving at least minimum wage, the employer is legally obligated to make up the differ...
by supertreat
Tue Jun 30, 2015 2:40 pm
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 40
Views: 5057

Re: Purchase '98 Toyota Camry?

Do you live where they salt the roads? If so one thing to think about is underside corrosion. Would get it on a lift to get a good look at it from underneath.
by supertreat
Tue Jun 23, 2015 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 6189

Re: Best Advice [Best single piece of advice to give a new investor]

Realize that without health wealth is meaningless. Take care of your body. Make time for family and friends.
by supertreat
Tue Jun 23, 2015 4:22 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 34780

Re: What was the 2008 crash like in real time?

It seemed to start with REITs, I know because I bought into them for the first time just before they started downward in early 2007 and then again in late 2007. The drop-off with the rest of the market coincided with the second drop for REITs, but it was fairly gentle for the first year, TSM droppi...
by supertreat
Fri Jun 19, 2015 5:53 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 44131

Re: OPM breach and credit freeze

robert88 wrote:There is a great deal of unwarranted paranoia in this thread. The information that the media has described as being stolen would simply be far too valuable for anyone to waste it filing fake income tax returns.


Please elaborate on your point.
by supertreat
Fri Jun 19, 2015 2:37 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 44131

Re: OPM breach and credit freeze

I've frozen my wife and I's credit and also purposefully adjust my W-4 the last quarter to not get any tax return. Keeping my fingers crossed.
by supertreat
Wed Jun 17, 2015 12:28 pm
Forum: Personal Consumer Issues
Topic: iphone 4/ipad/ipod touch older model charging cables
Replies: 7
Views: 1035

Re: iphone 4/ipad/ipod touch older model charging cables

I believe Amazon basics makes charging cables for some of those items. I can vouch for the Iphone 4 charging cable they make- haven't had any issues and is very well priced.
by supertreat
Thu Jun 04, 2015 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare and OASDI withholding changes with same pay
Replies: 3
Views: 585

Re: Medicare and OASDI withholding changes with same pay

Alan - Thank you for your explanation. I know me and a lot of other folks on this forum appreciate your expertise. Have a great summer!
by supertreat
Wed Jun 03, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare and OASDI withholding changes with same pay
Replies: 3
Views: 585

Medicare and OASDI withholding changes with same pay

I was just reviewing my bank statement and I noticed that two of my deposits from my pay differed by $0.02 even though nothing had changed. I discovered from my pay stub that the deductions for OASDI and Medicare increased by $0.01 each on one of my previous pay checks. How is this possible if nothi...
by supertreat
Wed May 27, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with international wire transfer
Replies: 16
Views: 1646

Re: Problem with international wire transfer

I've been burned previously doing an international wire transfer which was from Sweden to my bank account in the US. Unknown to me there was a separate number I was supposed to use specific for international wires vs the standard number for transfers within the US. I used the US number and the wire ...
by supertreat
Fri May 15, 2015 2:37 pm
Forum: Personal Consumer Issues
Topic: Buying a New Construction Home - what do I need to consider
Replies: 32
Views: 5079

Re: Buying a New Construction Home - what do I need to consider

Strongly consider consulting someone qualified to recommend energy efficiency and water diversion upgrades that aren't standard. Some things that come to mind are foam insulation and/or spray foam underneath foundation base concrete and enveloping the entire outside of your home, use of spray foam i...
by supertreat
Tue Apr 28, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 21476

Re: Documentaries to recommend?

Going Clear - A documentary about the origins and rise of scientology. Also am looking forward to "Deep Web" a documentary about the origins and workings of the deep web
by supertreat
Thu Apr 23, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 514
Views: 202630

Re: TV show recommendations?

I would heartily recommend The Americans on FX. Great multi-layered plots w/ plenty of action. I put it right up there with breaking bad.
by supertreat
Wed Apr 22, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: HSA account with the lowest cost: HSA bank or Vanguard?
Replies: 28
Views: 22479

Re: HSA account with the lowest cost: HSA bank or Vanguard?

I've been happy with Bancorp HSA. Minimum balance to avoid fees is $1500 and investment account is free. $8 trades for fidelity spartan funds.
by supertreat
Fri Apr 10, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pursue a second career?
Replies: 9
Views: 1185

Re: Should I pursue a second career?

Why not try to get a job with a financial advisory firm that operates under a fiduciary standard? Then you would actually be helping people.
by supertreat
Thu Apr 09, 2015 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Rollover to Optum Bank
Replies: 4
Views: 832

Re: HSA Rollover to Optum Bank

I've been happy with bancorp HSA. Very low minimum to avoid fees ( think 1500 or 2000$) and $8 trades for fidelity spartan funds.
by supertreat
Thu Mar 12, 2015 5:50 pm
Forum: Personal Consumer Issues
Topic: Vitamins/Supplements, recs for reliable brands & retailers?
Replies: 12
Views: 1578

Re: Vitamins/Supplements, recs for reliable brands & retaile

If your'e going to take OTC vitamin/herbal products (which I don't recommend unless you've been diagnosed w/ a specific deficiency). Then look for brands with "USP VERIFIED" label on them or get a subscription to consumer lab https://www.consumerlab.com .
by supertreat
Sun Mar 08, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 7932

Re: Just cut my cable bill...

If you have comcast/TWC or other for internet, look at what they are charging you for modem rental. It will vary per market, but typical is $6-10/month. You can buy your own for between $60-80. The payback math is easy. Doesn't take much to set it up - just call and give them MACID off the modem an...
by supertreat
Wed Dec 24, 2014 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Lost $'000s for failing to do a HSA !
Replies: 23
Views: 3746

Re: Lost $'000s for failing to do a HSA !

It's my understanding that if you do payroll deductions to fill your HSA you also get out of paying payroll taxes on that money- this can be significant savings in the long run that isn't included in your calculation.
by supertreat
Tue Dec 23, 2014 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me back from the edge
Replies: 37
Views: 4607

Re: Talk me back from the edge

A safer bet would be to default to a target retirement date fund for your accounts now and then when you get some more time in your life, read some recommended books here on the forum. You'll then be in a much better position to appraise this financial advisor and decide if you can manage your portf...
by supertreat
Mon Dec 22, 2014 5:34 pm
Forum: Investing - Theory, News & General
Topic: Someone tried to login to my vanguard account yesterday
Replies: 38
Views: 8915

Re: Someone tried to login to my vanguard account yesterday

I too am having repeated security code texts after activating the new security feature at Vanguard. The first one I'm sure was elicited by Mint after I logged in and it attempted to refresh my account holdings - but I've also had several since then while I'm not logged in to Mint - does Mint interm...
by supertreat
Mon Dec 22, 2014 4:42 pm
Forum: Investing - Theory, News & General
Topic: Someone tried to login to my vanguard account yesterday
Replies: 38
Views: 8915

Re: Someone tried to login to my vanguard account yesterday

I too am having repeated security code texts after activating the new security feature at Vanguard. The first one I'm sure was elicited by Mint after I logged in and it attempted to refresh my account holdings - but I've also had several since then while I'm not logged in to Mint - does Mint intermi...
by supertreat
Sat Dec 20, 2014 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 12
Views: 1653

Re: HSA question

As long as you meet the requirements for qualified expenses you can pull out 5000$ every year. You would benefit more from leaving the money in your HSA to grow tax free, paying your medical expenses from taxable income and then saving your receipts for future tax-free withdrawals though.
by supertreat
Thu Dec 18, 2014 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find the cheapest mortgage?
Replies: 30
Views: 5238

Re: Where to find the cheapest mortgage?

I've twice refinanced w/ a gal named Claire Lucas at National Mortgage Alliance. Everything was completed online and she was very responsive by email. When I went through them they had the best rates on no-cost refinances - but I'm not sure on initial mortgages. Would definitely recommend her though.